Our accounts at a glance

 

Professional support with a Relationship Manager

 

$75,000 minimum balance OR recurring direct deposits2 totaling at least $5,000 per month

in deposit account or investment* balances1

 

Everyday banking with preferred rates

 

$5,000 minimum balance w/ direct deposit2 OR $10,000

in deposit account or investment* balances.3

 

Value and personalized support

 

No minimum balance w/ qualifying direct deposit2 OR $1,5004

in deposit account or investment* balances.4

 

Simple and convenient

 

NO MINIMUM BALANCE5

Relationship banking

Premier checking
Make the most of your future with carefully designed service and benefits
  • Unlimited rebates on non-HSBC ATM third-party surcharges in the U.S.6
  • Global View and Global Transfers7
  • Access to preferential mortgage rates8 and one of our highest yielding savings accounts

To waive the monthly maintenance fee, you'll need to meet one of our minimum balance requirements1:

$75,000 minimum balance

 

OR

 

Recurring direct deposits totaling at least $5,000 per month2

 

OR 

 

An HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000.

 

Please note: $50 monthly maintenance fee is incurred if one of these requirements is not maintained.

Advance checking
Open doors with Advance, from everyday banking to preferred rates
  • Get up to four rebates per month on non-HSBC ATM third-party surcharges in the U.S. (excludes NY)9
  • Global View and Global Transfers7
  • Access to preferred mortgage rates8

To waive the monthly maintenance fee, you'll need to meet one of our minimum balance requirements3:

$5,000 minimum balance with recurring direct deposit2

 

OR

 

$10,000 minimum balance

 

OR

 

Any HSBC U.S. residential mortgage loan

 

Please note: $25 monthly maintenance fee is incurred if one of these requirements is not maintained.

Personal banking

Choice Checking
Value and personalized support for day-to-day banking needs
  • Value and personalized support for day-to-day banking needs
  • HSBC Debit Mastercard® card with no annual or monthly service fees.10

To waive monthly maintenance fees, you'll need to meet one of our minimum balance requirements4:

No minimum balance with recurring direct deposit2

 

OR

 

$1,500 minimum balance

 

Please note: $15 monthly maintenance fee is incurred if the minimum balance requirements are not met.

Student Checking Offer – Choice Checking

College checking – the smart way
  • Simple everyday banking transactions
  • An online-only, high yield personal savings account11
  • Unlimited access to interactive online tools12 which provide valuable information to help guide financial decisions

No monthly maintenance fee for six years13 for eligible new to bank students

 

No minimum deposit balance required with account opening

Basic Banking
Simple, convenient, and a service that’s anything but basic
  • Ideal when you write only a few checks a month
  • HSBC Debit Mastercard® card with no annual or monthly service fees.10

No minimum balance

 

$3 monthly maintenance fee5

regardless of your balance

When you bank with us you’ll get

Access to HSBC ATMs Worldwide

Take advantage of no withdrawal fees14 at most HSBC ATMs within our expansive global network.

Optional Overdraft Protection

Enjoy peace of mind with a personal line of credit that can be used as overdraft protection.

International Services

HSBC provides support in over 30 countries.15 Travel worry-free.

Personal Internet and Mobile Banking

Stay in control and manage your money anytime, anywhere with 24/7 access to Personal Internet and Mobile Banking.16

See Terms & Charges Disclosures

1 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain balances of $75,000 in combined U.S. Dollar personal deposit accounts and investment* balances OR recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s) per calendar month OR an HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.

2 Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Government Benefits or other monthly income) made into your HSBC checking account from third parties at least once per calendar month.

3 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined balances in U.S. Dollar personal deposit accounts and investment* balances of at least $10,000 OR of at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per calendar month OR an HSBC U.S. residential mortgage loan. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if one of these requirements is not maintained.

4 To qualify for an HSBC Choice Checking relationship, you need to open an HSBC Choice Checking account and maintain combined balances in U.S. Dollar personal deposit accounts and investment* balances of at least $1,500 OR maintain a recurring direct deposit from a third party to an HSBC Choice Checking account at least once per calendar month.  A monthly maintenance fee of $15 will be incurred if minimum balance or recurring direct deposit requirement is not met.

5 Basic Banking has no minimum balance requirement and the monthly maintenance fee is $3. There is no charge for the first eight checks/withdrawal slips you write, then you will be charged $ .35 per check or withdrawal.  

6 Available only on U.S. non-HSBC ATM transactions initiated from HSBC Premier checking, Premier Asset Management, HSBC Premier Savings, and HSBC Promotional Premier Savings account. HSBC will rebate qualifying non-HSBC ATM third-party surcharge fees incurred with a credit to your account on the first business day of the following calendar month.

7 Global View and Global Transfers are only available for HSBC Premier and HSBC Advance clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Transfers from HSBC accounts from outside the U.S. may be subject to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers. Access to U.S. Personal Internet Banking through Global View from outside the U.S. may be limited.

8 Discounts and loan amounts depend on specific program and may require certain personal deposit and investment* balances, reserves, equity and automatic payment from an HSBC U.S. checking account.

9 Available only on U.S. non-HSBC ATM transactions (except in New York State) initiated from HSBC Advance checking, HSBC Advance Savings and HSBC Advance Promotional Savings. HSBC will rebate up to four qualifying non-HSBC ATM third-party surcharges incurred based on transaction date order during the calendar month. The rebate will be credited to your account on the first business day of the following calendar month.

10 If you effect a foreign transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your HSBC Debit Mastercard® card, the transaction amount may be further increased by a percentage established from time to time by us.  This Foreign Transaction Fee does not apply to transactions using your HSBC Jade World Debit Mastercard® card or HSBC Premier World Debit Mastercard® card.

11 HSBC Direct Savings is an “online only” product, which requires use of automated telephone banking, e-statements, and Personal Internet Banking. This is an HSBC consumer account and is not available as an HSBC business account. See the HSBC Direct Savings Terms & Charges Disclosure for more information. HSBC Direct Savings can only be opened online. ATM/Debit card is not available for this product.

12 HSBC offers the Modules for educational purposes only and they should not be considered professional or investment advice. While HSBC is pleased to offer the Modules as an educational service to our customers, HSBC does not guarantee, warrant or recommend the opinion or advice or the product and/or services offered or mentioned in these Modules. Any opinions, judgments, advice, statements, services, offers or other information presented within a Module are those of a third party and not HSBC. For a comprehensive review of your personal finances, always consult with a tax or legal advisor. Neither HSBC, nor any of its representatives, may give legal or tax advice.

13 The 6 Year Maintenance Fee Waiver Offer is available for applications completed in United States branches, Retail Relationship Center or the International Banking Center from June 24, 2019 – February 15, 2020 (“Offer Period”). You must be at least 18 years of age and list student as your occupation on your application (“Qualifying Student”). Customers who held a HSBC consumer deposit or investment account from June 23, 2016 through and including June 23, 2019 are not eligible for this offer. Customers who maintain(ed) a HSBC Mortgage and/or Credit Card without a consumer deposit or investment account are eligible. For Qualifying Student who opens a HSBC Choice Checking account during Offer Period, the Choice Checking account Monthly Maintenance Fee will be waived for six (6) years from account opening. After the 6 year period, Monthly Maintenance Fee may apply. The $15 Monthly Maintenance Fee can be avoided as long as one of the following requirements are met: (1) $1,500 minimum balance in combined U.S. Dollar personal deposit accounts and investment* balances; OR (2) a recurring qualifying direct deposit from a third party. Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Government Benefits or other monthly income) made into your HSBC Choice Checking account from third parties at least once per calendar month. Requirements and Monthly Maintenance Fee amount are subject to change. Limit one account Maintenance Fee Waiver per customer, including all individual and joint accounts — the first line name on the joint account is considered the customer for gift purposes. HSBC reserves the right to change or terminate this offer at its sole discretion.

14 You may be charged additional fees by the ATM operator or network used including a fee by another HSBC entity operating ATMs outside the U.S. Foreign currency conversion rates may still apply.

15 Fees may apply.

16 Data rate charges from your service provider may apply. HSBC Bank USA, N.A is not responsible for these charges.

United States persons are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should consult a tax adviser for more information.

HSBC Debit Mastercard® cards are issued by HSBC Bank USA, N.A. 

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

*Investments and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC.  HSI is an affiliate of HSBC Bank USA, N.A.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be canceled or are subject to change at any time and cannot be combined with any other offer or discount.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

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